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Last updated on: September 19, 2025
The HDFC ERGO Optima Restore Plan and Optima Super Secure Plan are both comprehensive health insurance options, but they cater to different needs. The Optima Restore Plan stands out for its automatic sum insured restoration feature, which reinstates your coverage if it’s exhausted during the year, making it ideal for families or individuals seeking extensive coverage with affordable premiums. On the other hand, the Optima Super Secure Plan offers a higher sum insured (up to ₹2 crore), enhanced wellness benefits, and zero room rent capping, making it suitable for those desiring high-value protection and broader hospital coverage. While both plans cover pre- and post-hospitalization expenses and no-claim bonuses, Optima Restore focuses on restoring basic coverage while Super Secure emphasizes high sum insured and rich add-ons. Your choice should depend on your coverage amount needs and budget preferences.
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Every Indian family requires health insurance. The cost of medical is rising annually, particularly in 2025 and people find it hard to bear the unexpected hospital bills. Selecting an appropriate health insurance product would ensure your finances and would provide some relief. HDFC ERGO is one of the most popular health insurance companies in India that has two products; the Optima Restore plan and the Optima Super Secure plan. This in-depth analysis will guide you to make a choice on the differences and select the best plan that fits your requirements.
Both Optima Super Secure and Optima Restore are all inclusive health insurance plans. They include the majority of the large medical bills such as hospitalisation, daycare procedures, post and pre hospital care, etc. However, they are also associated with their advantages, functions, requirements, and costs. All of these appeal to the various types of buyers, based on their financial status, health history, and the size of their family.
A comparison as below will dissect these two health insurance offerings in all key aspects - as it would assist you in making a smart and informed decision.
Did you know?
By 2025, the health insurance policy upgrading and portability are predicted to be made even lighter with the help of the digital KYC and simplified procedures authorized by IRDAI.
| Characteristic | Optima Restore Plan | Optima Super Secure Plan |
|---|---|---|
| Sum Insured | 3 lakh - 50 lakh rupees | 50 lakh - 2 crore rupees |
| Hospitalisation | Covered | Covered |
| Daycare Procedures | 540+ | 590+ |
| Restore Benefit | 100 percent auto-restore | Smart restore with conditions |
| AYUSH Treatments | Yes | Yes |
| Pre and Post Hospitalisation | 60 and 180 days | 60 and 180 days |
| No Claim Bonus | 50 percent to 100 percent | Yes, depends on the policy |
| Deductible Choice | Not available | Available |
| Entry Age | 91 days - 65 years | 91 days - no upper limit |
| OPD Cover | Additional or optional | |
| Premium (5 lakh SI, Age 30) | Approximately 8,000 INR Annual (2025) | Approximately 10,200 INR Annual (2025) |
Q: Does the two plans cover AYUSH treatment?
A: Yes, both plans provide AYUSH treatment coverage to the sum insured but with certain sub limits and terms.
The USP that is most significant to the Optima Restore is its restore benefit:
The restoration in Optica Super Secure is usually associated with top-up or deductible. Large claims are eligible to be put under the “Super Surplus” benefit.
Professional opinion: Restoration benefit is the best option where there are several individuals in a family that may receive the treatment in a policy year.
No claim bonus (NCB) is a significant aspect in that it will compensate you not to claim.
Did you know? Other plans allow you to enjoy your no claim bonus after you have made a non-significant claim, courtesy of NCB protection addition in 2025.
Absolutely. The two plans include pre-hospitalisation expenses of diagnostic tests, consultation and medication (60 days prior to admission). They also reimburse the post-hospitalisation costs which are normally up to 180 days.
This comes in particularly handy when it comes to surgeries or ailments that require extended medical care beyond the hospital.
Q: Do you have maternity or newborn baby cover?
A: Both the plans provide optional maternity covers, but after some waiting period with an additional premium. Consider the newest brochure to include in 2025.
Pros
Cons
Did you know? The trend is moving towards higher coverage in 2025 as more are finding it expensive to pay hospitals because of rising healthcare inflation- a five day ICU stay in metro cities is now costing between 4 to 6 lakh rupees.
Pros
Cons
Expert knowledge: Deductible based plans are the most appropriate plans to use when one already enjoys an employer group health plan or base plan but wishes to add on a larger safety net.
You can find Optima Restore desirable when:
You would use Optima Super Secure:
Q: Can the two plans be purchased jointly?
A: Yes You can have Optima Restore base plan and Optima Super Secure top-up, however, verify policy terms and aggregate premium paid.
| Parameter | Optima Restore Operations | Optima Super Secure |
|---|---|---|
| Family Floater Option | Yes | Yes |
| Sum Insured (SI) Range | 3 lakh to 50 lakh | 50 lakh to 2 crore |
| Restore / Refill Benefit | 100 percent auto restore every year | Deductible based restoration |
| Deductible Flexible Choice | No | Yes |
| Pre and Post- Hospitalisation | 60 and 180 days | 60 and 180 days |
| Daycare Treatments | 540+ | 590+ |
| Chronic Disease Management | Add-on possible | Add-on optional |
| Maternity / Newborn cover | With conditions, after the waiting period | With conditions, after the waiting period |
| Premium (Age 35, 5 lakh SI) | Approximately 8500 INR/per annum (2025) | Approximately 10,500 INR/per annum (2025) |
| Other Riders | Accident, CI, OPD, Hospital Cash | CI/Accident rider optional, OPD included |
According to IRDAI regulations of 2025, the two plans are portable. This implies that should your needs shift, you do not have to lose the credit on waiting periods in changing between various health insurance plans.
Optima Super Secure is frequently used by the customers that have outgrown their base cover, whereas Optima Restore is offered to young or nuclear families.
However, as of 2025, Optima Restore and Optima Super Secure have a difference of approximately 20 to 30 percent in the premium on the same sum insured on a base plan. This difference is reduced to a minimum when you include top-up or deductible options to your current base plan.
The factors that have a direct impact on your quote are age, number of people in the family, city where you live, and add-on choices. Never select a premium without first comparing the premiums that are completed and reading the policy terms.
Q: What is a deductible and why is it better than others?
A: Deductible refers to the amount you must pay out of your pocket or another policy and then all expenses are paid by the insurance plan. It lowers your premium.
Q: Does both plans have cashless hospitalisation facility available throughout India?
A: Yes, both plans have a network of more than 15000 cashless hospitals in HDFC ERGO all across India as of 2025.
Q: Are these policies available to be purchased by NRIs or returning Indians?
A: Yea, provided the policyholder spends 182 days or more in the country in a year, as it is presently stipulated in IRDAI.
Q: Does COVID and modern treatment coverage in 2025 go all the way?
A: All plans effective since 2024 include COVID and modern treatment coverage, although they have sub-limits and exclusions to be verified.
Q: Which plan at HDFC ERGO is more suitable to the seniors?
A: Optima Super Secure with a top-up or increased deductible would be better placed to cover seniors wishing to insure large amounts; look at sub-limits of taking up older age.
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Written by Prem Anand, a content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors.
Prem Anand is a seasoned content writer with over 10+ years of experience in the Banking, Financial Services, and Insurance sectors. He has a strong command of industry-specific language and compliance regulations. He specializes in writing insightful blog posts, detailed articles, and content that educates and engages the Indian audience.
The content is prepared by thoroughly researching multiple trustworthy sources such as official websites, financial portals, customer reviews, policy documents and IRDAI guidelines. The goal is to bring accurate and reader-friendly insights.
This content is created to help readers make informed decisions. It aims to simplify complex insurance and finance topics so that you can understand your options clearly and take the right steps with confidence. Every article is written keeping transparency, clarity, and trust in mind.
Based on Google's Helpful Content System, this article emphasizes user value, transparency, and accuracy. It incorporates principles of E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness).
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